PRIVACY POLICY

Effective Date: This MyEstateCard.com Privacy Policy was last updated on March 25, 2018.

The following sets forth the policies for the collection and use of personally identifiable information
("Personal Information") by Estate Card LLC (“Estate”) and Very
Important Relationships, Inc. (“VIR” together with Estate, collectively,
the "COMPANY") in connection with the Estate Card Rewards Program and MyEstateCard.com website (the "Website")
and its offline operations (the Site and offline operations together are known as the "Business"), and supersedes
any previous statement of such policies. Capitalized terms not otherwise defined herein shall have the meaning
given such term in the Estate Card Rewards Program Membership Agreement.

This Website and Business is operated in the United States and all information that we maintain is stored in
the United States. If you live outside of the United States, you understand and agree that we may transfer
your information to the United States and that the Website is subject to U.S. laws, which may not afford
the same level of protection of those in your country.

COMPANY knows that Your Personal Information is important and COMPANY respects that importance and treats that
information in a commercially reasonable manner. COMPANY has created the below policy to explain the types of
information it collects from users, how it uses this information, with whom and for what purposes it shares the
information, and how Users can interact with COMPANY in connection with the information collection and use.

COMPANY takes its obligations regarding privacy very seriously and it wants to ensure Users are fully informed
about the Information they are providing to it.

Acknowledgement and acceptance of terms

The COMPANY is committed to protecting Your privacy. This Privacy Statement sets forth our current privacy
practices with regard to the information we collect when You use the Estate Card Rewards Program. By your use
of the Estate Card or accessing the Website, you acknowledge and fully understand Company's Privacy Statement
and freely consent to the information collection and use practices described in this Website Privacy Policy.

Participating Merchant Policies

Related services and offerings with links from the Website, including vendor sites, have their own privacy statements
that can be viewed by clicking on the corresponding links within each respective website. Merchants and others who
participate in the Estate Card Rewards Program are encouraged to participate in industry privacy initiatives and
to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the
policies or practices of participating Merchants and other third parties, we are not responsible for the privacy
practices or contents of those sites. We recommend and encourage that you always review the privacy policies of
Merchants and other third parties before you provide any Personal Information or complete any transaction with
such parties.

Information We Collect

COMPANY collects certain information from and when you:

Sign up for an account

Update your information in your account

Visit our Website

Use our mobile app

Use our browser extension

Contact customer support

Use one of our cards for a financial transaction

Company also collects certain information from and about its users: directly from our web server logs, cookies and Card
Issuer. We never sell any personal data we collect to any third part source, so you can rest assured that the only purpose
of collecting the information below is to better serve your needs.

Web Server Logs

When you visit our Website, we may track information to administer the site and analyze its usage. Examples
of information we may track include:

Your Internet protocol address.

he kind of browser or computer you use.

Number of links you click within the site.

State or country from which you accessed the site.

Date and time of your visit.

Name of your Internet service provider.

Web page you linked to our site from.

Pages you viewed on the site.

Use of Cookies

The Website may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on
your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies
are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize
a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits.
Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your
preferences and login information as well as providing personalized functionality.

COMPANY reserves the right to share aggregated site statistics with partner companies but does not allow other companies to
place cookies on our website unless there is a temporary, overriding customer value (such as merging into the Website a site
that relies on third-party cookies).

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify
your browser setting to decline cookies. If you reject cookies by changing your browser settings, then be aware that this may
disable some of the functionality on our Website.

Personal Information

When you register for the Estate Card Rewards Program, we will request some Personal Information such as name, email, address
and other relevant information. You may also be asked to disclose Personal Information to us so that we can provide additional
assistance to you, for example, to provide online technical support and troubleshooting.

Transaction information

When you use one of our cards, for example to make purchases from merchants, we receive information about the transaction,
as well as other information associated with the transaction.

How We Use Your Information

We will not disclose personally identifiable information we collect from you to any third parties without your permission
except to the extent necessary:

To provide services

To fulfill your service requests for services

To provide such information to the Card Issuer

To provide such information to tax payment vendor/s and or taxing entity

To protect ourselves from liability

To respond to legal process or comply with law

In connection with a merger, acquisition, or liquidation of the company

We may share your personal identifiable information:

With other members of the Company corporate family to among other things, provide the services you have requested
or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of
our policies and agreements.

With third-party service providers that perform services and functions at our direction and on our behalf.

With other financial institutions that we have partnered with to jointly create and offer a product or service.

With the other parties to a transaction when you use your card, such as local merchants.

We may use and disclose non-Personal Information for any number of reasons, including but not limited to, working with
business partners and improving our services.

Use of Web Beacons or GIF files

The Website's Web pages may contain electronic images known as Web beacons - sometimes also called single-pixel gifs - that
allow the Website to count users who have visited those pages and to deliver co-branded services. The Website may include
Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.

Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising
campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your
computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile
anonymous information in relation to those page views, which in turn enables us and our service providers to learn which
advertisements and emails bring you to our website and how you use the site. The Website prohibits Web beacons from being used
to collect or access your Personal Information.

Accessing Web Account Information

We provide you with the means to ensure that personally identifiable information in your web account file is correct and
current. You can review and change the personal information we maintain in the Personal Information section under the My
Account tab after logging in.

Social Network Features

Our Website provides certain functionalities designed to allow you to initiate actions between the Website and third-party
websites or services, including third-party social networks (“Social Network Features”). Examples of Social Network Features
include features that enable you to “like” or “share” special offers from mall merchants, Websites’ content or services;
to sign into the Website using your username and password from a third-party site or service; and to connect our Website
with a third-party website or service. If you choose to use our Social Network Features, any information you post or provide
access to may be used by us and/or publicly displayed on our Services, or by the provider of the Social Network Feature
that you utilize. Likewise, should you post information on a third-party platform that references back to our Website
(e.g., by using a hashtag associated with either our Website or Company in a tweet or status update); your post may be
published on our Website in accordance with the terms of the third-party website or service. When you utilize our Website
with a third-party site or service, both Company and the third party may have access to certain information about you and
your use of our Website and the third-party site or service. In addition, we may receive information about you if other
users of a third-party website give us access to their profiles and you are one of their “connections,” or information
about you is otherwise accessible through your connections’ web pages, profile pages, or similar pages on a social-networking
or other third-party website or interactive service. The information we collect in connection with Social Network Features
is subject to this Privacy Policy. Any information collected and stored by the third parties remains subject to those third
parties’ privacy policies, including whether the third parties continue to share information with us, the types of information
shared, and your choices with regard to what is visible to others on those third-party websites or services.

Marketing Practices

When you sign up, you have the option to opt into receiving email updates and special offers. If you do opt in and later wish
to opt out, you can do so at any time using the unsubscribe button at the bottom of any email you receive from us. This will
remove your name permanently from our email distribution list. You can also select to stop receiving promotional emails by
logging into your My Profile section of the My Account and updating your "Email Notifications and Newsletter Subscription"
setting. Even if you opt out of getting marketing messages, we will still send you transactional messages. These include
responses to your questions.

Web Analytics Service

This site uses a third-party analytics system to help improve usability and customer experience. Mouse clicks, mouse movements
and scrolling activity may be recorded. Non-sensitive keystroke information that you voluntarily enter on this website may also
be recorded. You can choose to disable these features here. Note, by disabling this feature you will also be disabling other
features such as 1-to-1 support chat.

Children

Our Website and/or Services are designed for people at least 18 years of age. We do not knowingly collect information from
or about children under 13 years of age and use of our services by children under 13 years of age is forbidden.

How We Safeguard Your Information

We use administrative technical and physical security measures to protect your Personal Information. These measures include
computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify
Personal Information when we no longer need it. We will keep your Online Information only as long as we must to deliver our
products and services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.

Changes to this Statement

COMPANY has the discretion to occasionally update this privacy statement. When we do, we will also revise the "updated"
date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about
how we are helping to protect the Personal Information we collect. Your continued use of the service constitutes your agreement
to this privacy statement and any updates.

Contacting Us

If you have questions regarding our Privacy Statement, its implementation, failure to adhere to this Privacy Statement and/or
our general practices, please contact us via the form on the help page on our Website..

The Website will use commercially reasonable efforts to promptly respond and resolve any problem or question.

To help the Federal government fight the funding of terrorism and money laundering activities,
the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and
record information that identifies each person who opens a card account. What this means for you:
When you open a card account, we will ask for your name, address, date of birth, and other information that
will allow us to identify you. We may also ask to see your driver's license or other identifying documents.